# Cardlay Expense vs SEB ID

The clearest difference is update cadence: Cardlay Expense at every 6 days against SEB ID's every 6 weeks. On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 5.0 for Cardlay Expense against 5.0 for SEB ID. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

Cardlay Expense ships an update every 6 days, SEB ID every 6 weeks. The most recent releases landed on October 8, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Cardlay Expense | SEB ID |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/cardlay-expense/id6448982202/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/seb-id/id6496204685/reviews) |
| Number of ratings | 1 | **2** |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 days** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 152 MB | 31 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Cardlay A/S](https://appshunter.io/developer/1144616741) | [Skandinaviska Enskilda Banken AB (publ)](https://appshunter.io/developer/366674598) |

## What reviewers say

### Cardlay Expense

[App page](https://appshunter.io/ios/app/cardlay-expense/id6448982202)

This app simplifies company expense management by digitizing receipts, tracking mileage, and integrating with ERP systems. It helps save time and money by streamlining reporting and providing a clear overview of all company spending.

**Highlights:** Digital receipt capture, Mileage tracking, ERP system integration, Instant reporting, Real-time notifications, Currency conversion

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### SEB ID

[App page](https://appshunter.io/ios/app/seb-id/id6496204685)

Securely log in to digital banking services and sign transactions with advanced authentication. This standalone app offers a user-friendly interface for enhanced convenience and broader geographical access to financial channels.

**Highlights:** Secure Login, Transaction Signing, User-Friendly Interface, Enhanced Convenience, Broader Geographical Coverage

**In-app purchases:** none


## Frequently asked questions

### Is Cardlay Expense free?

Cardlay Expense is free to download, with no in-app purchases.

### Is SEB ID free?

SEB ID is free to download, with no in-app purchases.

### Which has better reviews, Cardlay Expense or SEB ID?

Cardlay Expense and SEB ID are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.

### Do Cardlay Expense or SEB ID have ads?

Neither Cardlay Expense nor SEB ID shows ads.

### Which is updated more often, Cardlay Expense or SEB ID?

Cardlay Expense ships an update every 6 days, and SEB ID every 6 weeks. Most recently, Cardlay Expense was updated on October 8, 2026 and SEB ID on October 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*